credit risk manager

Citi

<div><p>U.S. Personal Banking (USPB) is a major business at Citi. The In-Business Credit &amp; Franchise Risk Organization within USPB is responsible for managing the credit and franchise risk of the USPB business. The Head of In-Business Credit &amp; Franchise Risk reports to the CEO of USPB.</p><p></p><p>
One of the groups within In-Business Credit &amp; Franchise Risk Organization is Enterprise Risk and Balance Sheet Management. This group is responsible for executing Enterprise Risk Management (ERM) programs including Risk Identification, Risk Appetite &amp; Limits, New Activities/Product Risk, ERM Risk Monitoring and framework execution. Additionally, this group is pivotal for In-Business Balance Sheet Management, focusing on USPB Capital Resource Management, Recovery &amp; Resolution planning, and Tangible Common Equity (TCE) analytics.</p><p></p><p>
This role is part of the In -Business Balance Sheet Management Team. This individual will be working on key analysis and driving key initiatives contributing to the successful management of capital constraints.</p><p></p><p><b>
Responsibilities</b></p><p><br>
The candidate will be a key resource to perform or support the following responsibilities:</p><p></p><ul><li>
Perform stress loss forecasting in alignment with CCAR/CECL framework, evaluate drivers to stress losses support recommendations for Risk Appetite limits to the Business CRO and CEO for approval.</li><li>
Perform In-Business Std RWA (Risk Weighted Asset), ARWA (Credit &amp; Ops) and capital (TCE: Tangible Common Equity) and RoTCE forecasting based on CCAR and other internal stress testing scenarios consistent with firm&rsquo;s risk appetite framework and strategic plans.</li><li>
Perform monitoring and detailed analysis of Spot RWA (Std, Adv Credit &amp; Ops) metrics and trends. This includes conducting weekly driver analysis to identify key contributing factors, anomalies, and potential impacts on capital adequacy, ensuring strict adherence to established risk limits and regulatory requirements.</li><li>
Conduct in-depth analytical assessment of balance sheet components (assets, liabilities, and equity) to identify trends, understand key drivers, and analyze interdependencies impacting capital and risk.</li><li>
Support the team in ongoing initiatives aimed at optimizing capital utilization, enhancing balance sheet efficiency, and improving risk management practices.</li><li>
Build presentations with supportive analysis, storyboard results for senior management &amp; executive management team.</li></ul><p></p><p><b>
Qualifications</b></p><p></p><ul><li>
4+ years of work experience in financial services or management consulting with heavy focus on financial risk management</li><li>
Working knowledge of Credit Cards and other consumer bank products P&amp;Ls, key risk &amp; return dynamics and loss drivers.</li><li>
Good understanding of Capital and Balance Sheet Management, CCAR &amp; CECL framework, Basel III Endgame</li><li>
Hands on experience in retail credit risk analytics using analytical or data management tools (e.g., SAS, SQL, Pearl, FRM, VBA, Advanced Excel) and power-point presentation skills.</li><li>
Excellent quantitative and analytical skills, ability to derive trends, insights, and perform risk/reward trade-off analysis</li></ul><p></p><p><b>
Leadership Competencies</b></p><p></p><ul><li>
Demonstrated history of driving change and managing for results.</li><li>
Efficiently solves complex, ambiguous problems / situations.</li><li>
Collaborative work style; effectively interacts with partners across organizational boundaries and hierarchies.</li><li>
Contributes to a positive work environment and remain calm under pressure.</li><li>
Consistently demonstrate clear and concise written and verbal communication.</li></ul><p></p><p><b>
Education</b></p><p></p><ul><li>
Preferred Master&rsquo;s degree in quantitative disciplines such as Financial Engineering, Operation Research, Econometrics, Statistics or similar quantitative discipline; OR MBA Finance</li></ul><p></p><p>
-</p><p><b>
Job Family Group:
</b></p>Risk Management<p>
-</p><p><b>
Job Family:</b></p>
Portfolio Credit Risk Management<p>
-</p><p><b>
Time Type:</b></p>
Full time<p>
-</p><p><b>
Most Relevant Skills
</b></p>Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.<p>
-</p><p><b>
Other Relevant Skills
</b></p>For complementary skills, please see above and/or contact the recruiter.<p>
-</p><p><i>
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.</i></p><p></p><p><i><br>
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review </i><i>Accessibility at Citi</i><i>.</i><br>
<br>
<i>View Citi&rsquo;s </i><i>EEO Policy Statement</i><i> and the </i><i>Know Your Rights</i><i> poster.</i></p></div>

Enterprise Risk & Balance Sheet Management- Financial Risk-Intermediate Analyst

Harnham - Data & Analytics Recruitment

<p><strong>COLLECTIONS STRATEGY MANAGER </strong></p> <p><strong>LONDON- HYBRID </strong></p> <p><strong>UP TO £100,000 </strong></p> <p>This fast-growing FinTech is on the hunt for a Collections Strategy Manager to help shape how they engage with customers and recover debt</p> <p><strong>THE ROLE</strong></p> <p>As Collections Strategy Manager, you'll sit at the heart of commercial decision-making - bridging credit risk, data, and operations. You'll be responsible for designing, testing, and implementing collections and recoveries strategies that balance performance with customer experience.</p> <p>You'll work closely with data scientists, product managers, and credit teams to:</p> <ul> <li>Build, monitor, and evolve collections strategies and segmentation models</li><li>Use data and MI to identify performance trends and improvement opportunities</li><li>Develop and test new contact strategies across digital and traditional channels</li><li>Partner with analytics and engineering teams to enhance automation and decisioning tools</li><li>Support regulatory compliance (CONC, FCA) while driving commercial outcomes</li></ul> <p><strong>REQUIREMENTS </strong></p> <ul> <li>Proven experience in collections or recoveries strategy (ideally in consumer lending, auto finance, or FinTech)</li><li>Strong understanding of credit risk lifecycle and performance metrics</li><li>Proficiency with SQL / SAS / Python (hands-on analysis experience)</li></ul>

Collections Strategy Manager

Barclays

<div></div><div><div><div><div><div><div><div><div><div><div><p>Embark on a transformative journey as a BUK Risk Manager at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionize our digital offerings, ensuring unapparelled customer experiences.</p><p></p><p>
To be successful in this role as a BUK Risk Manager, you should possess the following skillsets:</p><ul><li><p>
Creating a positive work environment.</p></li><li><p>
Hands-on experience with Simple &amp; Straighforward projects, CoPilot &amp; other modern tools.</p></li><li><p>
Good understanding of credit writing &amp; open to explore opportunity in driving various simplification initiatives.</p></li><li><p>
Strong communication skills, verbal and written.</p></li></ul><p></p><p>
You will be assessed on the key critical skills relevant for success in role, such as experience with credit risk management, good understanding of CoPilot &amp; other automation tool, project management, experience in managing senior member &amp; stakeholders as well as job-specific skillsets.</p><p></p><p>
This role is based in our Noida office.</p></div></div></div></div></div></div></div></div></div>
<p><b>
Purpose of the role</b></p><p>
To safeguard the financial health of the bank by identifying, analysing, and mitigating potential credit risks associated with lending activities.</p><p></p><p><b>
Accountabilities</b></p><ul><li>
Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default.</li><li>
Monitoring of existing loan portfolios to identify potential credit deterioration or early warning signs of default.</li><li>
Recommendation of loan approvals, rejections, or adjustments based on risk evaluation and bank lending policies.</li><li>
Development and implementation of credit risk mitigation strategies, including collateral management, loan restructuring, and workout plans.</li></ul><p></p><p><b>
Analyst Expectations</b></p><ul><li>
To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement.</li><li>
Requires in-depth technical knowledge and experience in their assigned area of expertise</li><li>
Thorough understanding of the underlying principles and concepts within the area of expertise</li><li>
They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources.</li><li>
If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L &ndash; Listen and be authentic, E &ndash; Energise and inspire, A &ndash; Align across the enterprise, D &ndash; Develop others.</li><li>
OR for an individual contributor, they develop technical expertise in work area, acting as an advisor where appropriate.</li><li>
Will have an impact on the work of related teams within the area.</li><li>
Partner with other functions and business areas.</li><li>
Takes responsibility for end results of a team&rsquo;s operational processing and activities.</li><li>
Escalate breaches of policies / procedure appropriately.</li><li>
Take responsibility for embedding new policies/ procedures adopted due to risk mitigation.</li><li>
Advise and influence decision making within own area of expertise.</li><li>
Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct.</li><li>
Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function.</li><li>
Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.</li><li>
Make evaluative judgements based on the analysis of factual information, paying attention to detail.</li><li>
Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents.</li><li>
Guide and persuade team members and communicate complex / sensitive information.</li><li>
Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation.</li></ul><p></p><p>
All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship &ndash; our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset &ndash; to Empower, Challenge and Drive &ndash; the operating manual for how we behave.</p></div>

BUK Risk Manager

Human Capital HR Solutions

<p><b>Job Description</b></p><p>The Credit Analyst will be responsible for assessing the creditworthiness of customers, analyzing financial data, enforcing internal credit policies, supporting field teams, and preparing credit performance reports. The role requires strong analytical skills, attention to detail, and thorough knowledge of credit processes, compliance, and financial evaluation.</p><p><b>Key Responsibilities</b></p><ul><li>Evaluate financial statements and assess creditworthiness of businesses and individuals.</li><li>Manage credit risk and ensure compliance with regulatory requirements.</li><li>Support credit strategies and provide guidance to field teams.</li><li>Enforce internal credit policies and maintain adherence to SLAs.</li><li>Review, analyze, and approve credit applications within defined limits.</li><li>Collaborate with business teams to balance growth and risk management.</li><li>Prepare regional credit performance and trend reports.</li><li>Apply financial analysis and risk assessment skills effectively.</li><li>Maintain updated knowledge of credit policies, collections, and recovery processes.</li></ul><p><b>Requirements</b></p><ul><li>Experienced Candidates: Up to 3 years of experience in credit, finance, or risk roles within the financial sector.</li><li>Fresh Graduates: 16 years of education in Business, Finance, Accounting, or related fields from an HEC-recognized institution.</li></ul><p><b>Skills Required</b></p><ul><li>Strong financial analysis and credit assessment skills</li><li>Risk management and compliance understanding</li><li>Knowledge of lending policies and credit procedures</li><li>Reporting, documentation, and analytical skills</li><li>Good communication and stakeholder coordination</li><li>Proficiency in MS Office (Excel, PowerPoint, Word)</li></ul><p><b>How to Apply</b></p><p>Interested candidates may send their resumes to:<br/>careers1.hc@gmail.com<br/>CC: careers@humancapitalintl.com</p><p><b>Follow Our Social Accounts for the Latest Job Opportunities!</b></p><ul><li>Instagram: https://www.instagram.com/humancapitalhrsolutions/</li><li>LinkedIn: https://www.linkedin.com/company/human-capital-hr-solution/</li><li>Facebook: https://www.facebook.com/humancapitalhrsolution/</li></ul><p>Job Type: Full-time</p><p>Work Location: In person</p>

Credit Analyst / Credit Risk Management | Financial Sector

Zolve

<div><div><div>Credit Assessment
<div><div><h1 class="jobSectionHeader"><b>Credit Risk Senior Analyst</b></h1>
<div>Bengaluru
<div>Work Type: Full Time
</div></div></div><div>
</div></div></div></div><div><div><h1 class="jobSectionHeader"><b>ABOUT ZOLVE</b></h1><div></div><div><div><div><div><br>
Welcome to the financial frontier of limitless possibilities - welcome to Zolve. We're not just a fintech; we're architects of a financial revolution, crafting a narrative that transcends borders. At Zolve, we believe in rewriting the rules of finance to empower global citizens, nomads, and dreamers to navigate the world without constraints.</div><div><br>
Zolve is the world's first cross border neo-bank which helps migrants get access to credit in the new country based on their home country credit score. Zolve&rsquo;s cross-border capabilities enable global citizens to access financial products such as checking accounts, credit cards, remittances, insurances, and loans seamlessly, helping them to be financially free to pursue their ambitions, without limiting the services to a particular country.</div><div><br>
As we continue to grow into multiple geographies, product lines and customer segments, we are seeking a dynamic individual<b> </b>to join us and support our journey.</div></div></div></div><div></div><h1 class="jobSectionHeader"><b><br>
JOB DESCRIPTION</b></h1><div></div><div><div><div><div><b><br>
Role: </b><b>Credit Risk Senior Analyst</b></div><div><b><br>
Location: </b>Bengaluru</div><div><b><br>
Employment Type: </b>Full-Time</div><div><br>
The <b>Credit Risk Senior Analyst</b> will be responsible for assessing, managing, and mitigating the credit risk exposure for the US credit card portfolio. This role will involve working closely with business units to ensure sound credit risk policies and practices are in place. The Credit Risk Senior Analyst will conduct thorough credit assessments, maintain risk monitoring systems, and assist in making strategic recommendations to safeguard the company from potential credit losses. This position requires strong analytical skills, a deep understanding of credit risk management principles, and the ability to communicate effectively with senior leadership.</div></div></div><br>
</div><h1 class="jobSectionHeader"><b>
RESPONSIBILITIES</b></h1><div><div><div><h3 class="jobSectionHeader"><b>
Credit Risk Assessment</b></h3><ul><li><p>
Evaluate and monitor the <b>creditworthiness of existing and prospective customers</b></p></li><li><div><br>
Perform detailed analysis of <b>financial statements, credit bureau reports, and risk data</b></div></li><li><p><br>
Recommend <b>credit limits, terms, and risk actions</b> based on assessment outcomes</p></li></ul><h3 class="jobSectionHeader"><b>
Credit Risk Strategy &amp; Policy</b></h3><ul><li><p>
Develop, implement, and periodically enhance <b>credit risk policies and procedures</b></p></li><li><div><br>
Ensure credit risk strategy aligns with <b>business objectives and regulatory requirements</b></div></li><li><p><br>
Advise senior management on <b>risk exposure, trends, and mitigation strategies</b></p></li></ul><h3 class="jobSectionHeader"><b>
Risk Monitoring &amp; Reporting</b></h3><ul><li><p>
Monitor portfolio risk exposure to ensure compliance with <b>internal risk limits</b></p></li><li><div><br>
Prepare <b>risk reports and dashboards</b> highlighting key indicators, trends, and emerging risks</div></li><li><p><br>
Implement and manage <b>automated tools and systems</b> for risk monitoring and reporting</p></li></ul><h3 class="jobSectionHeader"><b>
Stakeholder Management</b></h3><ul><li><p>
Collaborate with <b>underwriting, sales, finance, product, and legal teams</b> to manage credit risk</p></li><li><p><br>
Liaise with <b>credit bureaus, auditors, and regulatory bodies</b> to stay aligned with best practices</p></li></ul><h3 class="jobSectionHeader"><b>
Compliance &amp; Governance</b></h3><ul><li><p>
Ensure adherence to <b>regulatory requirements and industry standards</b></p></li><li><p><br>
Maintain up-to-date knowledge of <b>US credit regulations and compliance frameworks</b></p></li></ul><h3 class="jobSectionHeader"><b>
Training &amp; Development</b></h3><ul><li><p>
Provide guidance and mentorship to <b>junior risk analysts</b></p></li><li><p><br>
Stay current with <b>industry trends, tools, and regulatory developments</b></p></li></ul></div></div><br>
</div><h1 class="jobSectionHeader"><b>
QUALIFICATIONS</b></h1><div></div><div><div><div><p><b><br>
Education:</b> Bachelor&rsquo;s degree in <b>Finance, Economics, Accounting</b>, or a related field ot<br>
Master&rsquo;s degree (MBA / MSc) or professional certifications (<b>FRM, CFA</b>) are preferred</p><p><b>
Skills &amp; Experience:</b></p><ul><li><p>
Minimum <b>5 years of experience</b> in <b>US credit card risk management</b> or related roles</p></li><li><div>
Strong understanding of <b>credit risk analysis, financial modeling, and portfolio management</b></div></li><li><div>
Experience working with <b>US credit bureaus</b> and US credit scoring frameworks</div></li><li><div>
Exposure to <b>credit risk management systems and tools</b></div></li></ul><h3 class="jobSectionHeader"><b>
Technical Skills</b></h3><ul><li><p>
Advanced knowledge of <b>credit scoring models and risk mitigation techniques</b></p></li><li><div>
Proficiency in <b>Excel, SQL, and Python</b></div></li><li><div>
Strong analytical and reporting capabilities</div></li></ul><h3 class="jobSectionHeader"><b>
Soft Skills</b></h3><ul><li><p>
Excellent <b>analytical and problem-solving skills</b></p></li><li><div>
Strong <b>written and verbal communication abilities</b></div></li><li><div>
Ability to engage effectively with <b>senior leadership and external stakeholders</b></div></li><li><div>
High attention to detail and strong organizational skills</div></li></ul></div></div></div></div></div></div><p></p>

Credit Risk Senior Analyst

Standard Chartered Bank

<p></p><div><div><div><div><div><div><b>Requisition Number: </b>46751
</div></div></div></div><div><div><div><div><b>Job Location: </b>Ahmedabad, IND
</div></div></div></div><div><div><div><div><b>Work Type: </b>Office Working
</div></div></div></div><div><div><div><div><b>Employment Type: </b>Permanent
</div></div></div></div><div><div><div><div><b>Posting Start Date: </b>31/12/2025
</div></div></div></div><div><div><div><div><b>Posting End Date: </b>14/01/2026
</div></div></div></div><div><div><div><div><b>:
</b><div><div><div><div><b>Job Summary</b></div>
</div><div><ul><li>Client &amp; Sales Management. Work Closely with RM in preparation of briefing notes, Sales pitches etc.</li><li>Ensure smooth &amp; efficient post deal documentation &amp; client onboarding. Ensure post original process &amp; documentation is completed on time by liaising with stakeholders.</li><li>Quality engagement with client to ensure highest rating in Client surveys. Effective management of Excess &amp; Past Dues, Work closely with CDD to ensure timely renewals &amp; also with the portfolio &amp; OR team to ensure high quality of portfolio.</li><li>Adherence to all aspects of policy and procedure. Full adherence to Credit Admin Framework and all related aspects. Fully adopt Early Warning System to strengthen risk monitoring. Assist with co-management of stressed accounts with GSAM to reduce impairments and strengthen recovery effort.</li><li>Managing risk and compliance as part of my role. Take personal responsibility for understanding the risk and compliance requirements of my role. Understand and comply with applicable laws and regulations, the Groups policies, procedures and the Group Code of Conduct. Effectively identify, escalate, mitigate and resolve risk and compliance matters. Contribute to a culture in which all stakeholders feel safe to raise concerns and where risk and compliance matters are addressed and misconduct appropriately dealt with</li><li>Maintaining Audit quality. Quick turnaround on Credit Requests. Embed usage of Credit Risk Analytics. Ensure full adherence to Group Code of conduct. Contribute to a culture in which all stakeholders feel safe to raise concerns and where risk and compliance matters are addressed and misconduct appropriately dealt with</li></ul></div></div><div><div><div><b>
Key Responsibilities</b></div>
</div><div><div><b>
Regulatory &amp; Business Conduct</b><br>
<ul><li>Display exemplary conduct and live by the Group&rsquo;s Values and Code of Conduct.</li><li>Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.</li><li>Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.</li></ul></div>
<div><b>
Key stakeholders</b><br>
<ul><li>Relationship Manager</li><li>Team Leader</li><li>Regional Sales Manager</li><li>Credit Manager</li></ul></div></div></div><div><div><div><b>
Skills and Experience</b></div>
</div><div><ul><li>Credit Risk Assessment</li><li>Financial Analysis</li><li>Communication Skills</li></ul></div></div><div><div><div><b>
Qualifications</b></div>
</div><div><p>
Preferably MBA in Finance or Chartered Accountant</p></div></div><div><div><div><b>
About Standard Chartered</b></div>
</div><div><p>
We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.</p>
<p>Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.</p>
<p>Together we:</p>
<ul><li><b>Do the right thing</b> and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do</li>
<li><b>Never settle,</b> continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well</li>
<li><b>Are better together,</b> we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term</li>
</ul></div></div><div><div><div><b>What we offer</b></div>
</div><div><p><b>
In line with our Fair Pay Charter,</b> we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.</p>
<ul><li><b>Core bank funding for retirement savings, medical and life insurance,</b> with flexible and voluntary benefits available in some locations.</li>
<li><b>Time-off</b> including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.</li>
<li><b>Flexible working</b> options based around home and office locations, with flexible working patterns.</li>
<li><b>Proactive wellbeing support</b> through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits</li>
<li><b>A continuous learning culture</b> to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.</li>
<li><b>Being part of an inclusive and values driven organisation,</b> one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.</li></ul></div></div></div></div></div></div></div></div></div><p></p>

Credit Analyst - SME ME

FlapKap

<p></p><div><p>The Collection Manager is responsible for leading and optimizing the company&rsquo;s collections function across all lending and credit products. This role oversees early-stage, mid-stage, and late-stage collections, ensuring regulatory compliance in the UAE, maintaining portfolio health, and improving recovery performance while delivering an excellent customer experience.</p><p>
</p><p><b>Responsibilities:</b></p><p>
</p><h3 class="jobSectionHeader"><b>1. Collections Strategy &amp; Operations:</b></h3><ul><li>Develop and implement effective collections strategies for digital lending, RNPL, credit lines, or micro-financing products.</li><li>Monitor daily, weekly, and monthly collection performance; identify gaps and drive continuous improvement.</li><li>Manage early-stage (soft collections) and late-stage (hard collections) processes, including skip tracing and field collections where applicable.</li><li>Manage and oversee relationships with external service providers, including collection agencies and legal firms, to ensure timely follow up and execution of legal actions on defaulting clients in alignment with company policy.</li><li>Optimize contact strategies across channels (SMS, email, WhatsApp, in-app notifications, &hellip;).</li></ul><p></p><h3 class="jobSectionHeader"><b>
2. Compliance &amp; Risk Management</b></h3><ul><li>Ensure all collection activities comply with UAE laws and Central Bank of the UAE (CBUAE) regulations.</li><li>Develop and maintain policies, SOPs, and governance standards for collections.</li><li>Identify high-risk accounts and recommend escalations, restructures, or settlements based on company guidelines.</li></ul><p>
</p><h3 class="jobSectionHeader"><b>3. Customer Experience &amp; Relationship Management</b></h3><ul><li>Maintain high service standards to preserve customer relationships while achieving recovery targets</li><li>Resolve escalated customer issues and disputes professionally.</li><li>Collaborate with customer support, risk, and product teams to address systemic issues affecting repayments.</li></ul><p></p><h3 class="jobSectionHeader"><b>
4. Reporting &amp; Analytics</b></h3><ul><li>Track portfolio performance (DPD buckets, roll rates, NPL ratios).</li><li>Prepare management reports with insights, forecasts, and performance dashboards.</li><li>Leverage data analytics tools to segment customer cohorts and improve collection efficiency.</li></ul><p></p><h3 class="jobSectionHeader"><b>
5. Systems &amp; Technology</b></h3><ul><li>Work closely with product and engineering teams to enhance digital collection tools, automated reminders, and scorecards.</li><li>Utilize CRM and collections systems for tracking workflows and maintaining accurate customer records.</li><li>Support the integration of AI-driven or data-based collection strategies.</li></ul><p></p><p><b><br>
Requirements</b></p><ul><li>Bachelor&rsquo;s degree in Business, Finance, Accounting, or related field.</li><li>7+ years of experience in collections, credit operations, or risk, ideally in fintech, banking, or digital lending.</li><li>Strong knowledge of UAE financial regulations and debt collection practices.</li><li>Experience in a fintech startup or digital-first lending environment is a huge plus.</li></ul><p><b>
Benefits</b></p><ul><li>Competitive Salaries
</li><li>Hybrid working environment
</li><li>Paid time off
</li><li>Healthcare coverage
</li><li>A highly collaborative team environment that will support your professional and personal growth
</li><li>A culture that promotes Work-Life balance and Wellbeing
</li><li>A culture of learning and innovation</li></ul></div>

Collection Manager - UAE

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